Money Making Sense

Money Making Sense is a 2017 and 2018 Peoples Choice Podcast Awards (#PCA17, #PCA18) finalist. Host Heather Kelly focuses on how to find financial peace by better allocating your paychecks and analyzing the impact of simple family decisions. Episodes approach the topic of personal finance from a cost-savings and revenue-generating perspective. Covered topics include: vacationing on a budget, accumulating retirement savings on a limited income, reducing household expenses, the financial impact of owning a pet, and how money affects relationships. Money Making Sense will give you practical ideas on how to improve your bottom line.
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Jun 28, 2017

The 2017 Benchmark Compensation Survey shows the average wage for all entry level employees in Utah is $13.81 per hour.  Does your take-home pay reflect this average?  The President of the Utah Employers Council, Ryan Nelson, has more information about salary standards.

We then cover the hot industry of Information Technology.  Did you get a signing or retention bonus?  Did it meet the standard for the Western United States?  And how likely are you to do IT work for the company you support or be outsourced?


Jun 21, 2017

The world of gaming is extensive.  Whether you're looking to take games with you or stay at home... there's an app for that.  But, initial costs will run hundreds of dollars for xbox, playstation and wii.  Host of Popular Technology Radio, Jason Masters, breaks down what type of equipment is best for you.

The world of gaming has it's own type of currency, which could pay off big-time.  We've all heard of bit-coin, but how about ethereum, game credits, or ripple?  Ethereum currency has risen from $5.00 to $400 in just 30-days.  You can use these on-line currency to buy real world items and keep your kids away from your credit card by buying gaming credits and sending it to them.

But, too much gaming can lead to gambling addictions, losing time at work, not interacting with friends and family.  It's important to have a balance.

Jun 14, 2017

A great time saver is to have your bank pay your bills for you.  But, you could run into problems if you don't monitor your account balance.  Editor of, Lisa Gerstner has tips to saving time and money.

Kiplinger, along with Net Services, ranked Ally Bank as best overall for all banking needs, but which Credit Union got the highest score in the land?  And if you are looking for a specialty bank, what are some the key words to search?

If you move exclusively to on-line banking, how to you deposit a check?  Lisa explains in the last segment of this episode.

Jun 7, 2017

The economy may be on the up-swing, but not everyone is profiting.  Even if you are struggling with finances, there are 2 things you can do to avoid filing for bankruptcy.  Shane Stewart, certified financial planner from DMBA, has tips to keep you in your home.

Find out why Credit Counseling is better than Debt Relief, and won't cost as much.  Should you file for bankruptcy when the finances get tight?  Will you lose you house and car?  

Learn the difference between Chapter 7 and Chapter 13 and which one is best for your personal situation.  And what happens after bankruptcy?



Jun 5, 2017

Some women still leave the financing to their significant other.  And that spells trouble if the bill-paying spouse dies, or leaves the relationship.  Owner of Gardner Estate & Trust, CPA, Ronda Gardner and Susan Speirs, CEO of Utah Association of Certified Public Accountants have stories of women arriving destitute in their offices 18-months after the death of a spouse because they never learned about the family's finances.

Spouses need to educate each other in where the assets are kept.  Who is the family CPA, real estate agent, financial planner?  Which banks house the cash, 401k and IRA accounts?  Weekly, or monthly, meetings are a must for a married couple.  Even if only one person is in charge of finances, the other must know how it works.

What if you survived an abusive relationship and now it's over.  If you were forced to sign financial paperwork without knowing what it actually contained, you could be eligible for Innocent Spouse Relief when tax season rolls around.



May 31, 2017

In part 3 of 'Death & Taxes' we find out who pays the taxes when someone dies.  Is it the estate, the beneficiaries?  And what is the difference between a will and a trust, anyway?  Ronda Gardner, owner of Gardner Estate & Taxes, CPA and the CEO of Utah Association of CPA's, Susan Speirs answer these questions, and more.  Find out why it is so important to have everything in order before you die.  

May 31, 2017

In part 2 of 'Death & Taxes' we take on lower & middle class income earners.  You have a modest estate, a middle class home, maybe a couple thousand in a 401k and you don't know how to divide it up among your beneficiaries.  Ronda Gardner owner of Gardner Estate & Trust, CPA and the CEO of Utah Association of Certified Public Accountants, Susan Speirs sifts through the process. What's the best way to prevent in-fighting between multiple people who inherit?  Why designating a 'specific bequest' could save your inheritor from paying taxes.

May 31, 2017

In part one of my Death & Taxes series, we tackle rich people.  Inheritance tax laws get very tricky when you have a lot of money and/or assets to pass on to relatives.  Ronda Gardner of Gardner Estate & Trust, CPA helps us understand how to best avoid that 40-percent inheritance tax.


May 24, 2017

Living paycheck-to-paycheck makes it very hard to put away $1000 for an emergency fund.  But, The Penny Hoarder editor, Justin Cupler, has a month by month plan to do just that.

Start by opening a savings account which puts money in your account.  Then, sell items you don't need or use in your house.  You can also get the internet to work for you on purchases you already make.

Become a mystery shopper and someone who fills out surveys.  It takes a little bit of extra time and effort each month; but, all these activities will get you to your goal at the end of one year.


May 17, 2017

The co-founder of Altra Running explains how baking shoes in a toaster oven led to a 25-million dollar company.  Jeremy Howlett and his cousin, Golden Harper, became world-wide entrepreneurs by being passionate about their idea and using social media to connect with seed investors and capital venturists.

Howlett explains the different ways to find financial backing for your great idea, and why you shouldn't give up when you've been turned down by some of the biggest names in the industry.  

Altra Running is not resting on their laurels, they continue to be on the cutting edge by combining smart technology into their shoes.  You need to keep the creative juices flowing if you want to continue to grow your business.



May 10, 2017

If you're looking to collect more interest than your average CD or IRA stock portfolio, peer-to-peer lending may be for you.  Investor Ruben Schoenfeld discusses how programs such as Prosper and Lending Club can yield income with as little as $25 investment.

And if you need a loan but can't get one through a bank, this may be the place for you to try.  Multiple people chip in small amounts of money to fund the loan amount you need.  But, this is NOT a Go-Fund-Me account.  You still have to pay back the loan.

Find out the different risk levels, how much, or little, money you can make by investing in people. So whether you need a loan for home improvements, debt consolidation, baby or adoption loans, these programs could work for you.



May 3, 2017

Mind & Body Alchemist, Jacqueline Morasco, joins host Heather Kelly to discuss saving big bucks by making your own cleaning supplies.  Not only can you pinch pennies, but you can save your health, which saves more money in the long run.

Learn which cleaning supplies are the most harmful to your health by downloading the FREE App - Healthy Living.  And find out how cheap it can be for a 2-year supply of home-made cleaning ingredient.  Jacqueline walks us through a few recipes and you can find more info on her website at  and on Etsy.



Apr 26, 2017

Interest rates are rising, so many people are looking at buying a home now or refinancing.  But, what about paying off your mortgage faster than 30-years?  Associate Lending Associate of Guild Mortgage, Cari Kimball Meabon, disussing when you should invest your money in your house and when you shouldn't.

We also cover tax implications and what happens to your credit rating when you pay off your mortgage sooner rather than later. And, re-amortization (also known as re-casting) may be a cheaper way to lower your monthly mortgage payments.

Getting help from a CPA, loan officer, or financial specialist can help you determine if you should throw all your extra money toward monthly payments, retirement, or other needed expenses.

Apr 19, 2017

Phone scams and internet phishing are how most con-artists get money these days.  Former check fraudster, Frank Abagnale, famously played by Leonardo DiCaprio in "Catch Me if You Can," gives tips on how to spot the scheme.

His first career was pretending to be an airline pilot, a doctor, and a lawyer and he cashed fake checks for his income.  After several years in Federal Prison, he was asked by the FBI to use his experience to catch other con-artists.  And now he works closely with AARP Fraud Watch Network to teach the public what to look out for when the phone rings and when you get an e-mail asking for information.

Don't get taken... and 'catch' this episode of Money Making Sense.

Apr 19, 2017

Frank Abagnale, famously played by Leonardo DiCaprio in "Catch Me if You Can" discusses his exploits between 16 and 21 years of age as one of the most prevalent check cashing fraudsters in the world.  He also managed to pull-off pretending to be an airline pilot, a doctor and a lawyer.  

He now uses his skills to teach banks, businesses and everyday people how to spot a faker.  Who is most likely to be scammed in this day and age?  Does Frank say it's easier or harder with today's technology to pull the wool over people's eyes?  

Mr. Abagnale has teamed up with AARP Fraud Watch Network to give free presentations to the public.

Here more from this 3-part episode of Money Making Sense.


Apr 19, 2017

Best known from the book and movie of the same title "Catch Me If You Can," former con-artist Frank Abagnale, famously played by Leonardo DiCaprio, joins host Heather Kelly to discuss what to look out for in this day and age.

How factual was the movie when portraying Frank's impersonations of a pilot, a doctor, a lawyer and check cashing schemes? And how did he go from thief to FBI advisor to the AARP Fraud Watch Network?

We find out in this episode of Money Making Sense.

Apr 18, 2017

Hang up the phone!  That's the advice from IRS Assistant Special Agent in Charge, Mike Brock.  If someone calls you on the phone and the caller ID says U.S. Government or the IRS, chances are it's a scammer.  Find out what the really does if you owe money.

How do you know if your tax preparer is legit?  Susan Speirs of has great advice on making sure the accountant you pick won't try to skim money off the top or take a percentage of your refund.  Did you know you are liable for your tax return, even if you did NOT prepare it?

Know the top 3-red flags of IRS scammers and reduce your chances of identity theft.

Apr 12, 2017

Do you wake up every morning surrounded by piles of stuff?  The owner of First Security Financial, Trent Dransfield, can help you bring energy and money into your life by getting rid of items in your home. 

Do you have vintage board games, old smart phones, or even chargers?  They can make you quite of bit of money if you part with them.  And you could discover you have more than one of the same item, like hats, shoes, or office supplies.  Plus, you may find things you didn't even know you owned when you de-clutter.

And how does de-cluttering get you a better price on the home you want to sell and save you money when you move?  Find out on this episode of Money Making Sense with Heather Kelly.

Apr 5, 2017

It's no secret the cost of medication keeps rising.  And it's affecting those people who need it the most.  The Outreach Program Director, Peter Hebertson, and the Medicaire Options Coordinator, McKenzie Scott, for Salt Lake County Aging & Adult Services joins host Heather Kelly to discuss this growing problem.

If you are in the United States on a fixed income, lower income, or struggling to pay for needed prescriptions and health care, you can go to to find the help closest to you.  Aging & Adult service coordinators across the country are trained to find the best cost savings whether your on Medicare, Medicaid, SHIP or no insurance at all.  

You can also call 385-468-3200 for general information.  And there are programs worldwide designed to help people who need assistance paying for life-saving medications and health care.




Mar 31, 2017

Managing partner of WSRP, LLC accounting firm in Utah, Jerry Bregg, joins host Heather Kelly to discuss last minute prep before the tax filing deadline.  Are you getting all the deductions and credits you can?  

Do you have all your W-2s, 1099s, 1098s in place?  Have you been putting off filing your taxes because you may owe money?  You can postpone filing BUT you have to pay your taxes on-time.  How does that work?

And Americans who live out-of-the-country still have to pay taxes even if the company they work for isn't based in the United States.  Tune into this episode find out what you need to know.

Mar 29, 2017

70-years ago, the first issue of Kiplinger's Personal Finance Magazine welcomed Republicans back to the White House, a bullish Wall Street, and a change in interest rates.... sound familiar? Kiplinger's editor Janet Bodnar joins us on this episode of Money Making Sense to find out if what's old is new again.

In this episode discover:

  • How contributing in a 529 State College Plan can save you money and fund a college education.
  • Is investing in the stock market investing in the U.S. Economy?
  • When is it good to take risks and when do you want to be conservative?
  • Should you buy a new or used car?
  • How to live below your means to build your wealth.

Money Making Sense is hosted by KSL NewsRadio's Heather Kelly. KSL NewsRadio is part of Bonneville Media and based in Salt Lake City, Utah.

Mar 22, 2017

Financial guru Gary Gygi of Gygi Capital Management discusses financial responsibility after getting out of college.  People with certain degrees are more apt to buy very expensive cars, and other people or more apt to take on excessive credit card debt and not pay it back.

Find out why people with MBA's have the most debt, more than undergrads and PhD's.  How should you 'live your truth?'  AND how choosing a college can start you off on the right foot financially.

Mar 15, 2017

What is PTO and are you getting the most out of this work benefit?  Are you providing a competitive vacation package to your employees for your industry standards?  The Utah President of the Employers Council,, Monica Whalen has the data from a new survey about Paid Time Off policies across the Intermountain West.

Do all full-time employees get the same amount of flexibility when in negotiations for a new job?  Can you swap out extra days off for increased salary.... and should you?  Does having unlimited time off at a job really give you peace of mind?  

And what about part-time employees... what type of benefits can they expect in the workforce? And what are the top 3-things employees are looking for from their employer.

Mar 10, 2017

VIDEO -DIY Network host Jason Cameron joins Heather Kelly for a realistic discussion of what you can reasonably do yourself when it comes to do-it-yourself home improvement projects, and what kinds of renovation work truly require a contractor.

Does it make sense to spend the money on a professional job every time? When and where can you save some cash by taking on a project on your own?

Mar 8, 2017

The latest gender study shows girls feel they are not as smart as boys in math by the time they are 6-years of age.  But, how does this affect the choices women make when going to college and their careers?  And, what if a boy wants to go into a stereo-typical nurturing field like nursing?  How are they treated by society?

Associate professor of sociology from Westminster College, Dr. Kristjane Nordmeyer discusses these issues with host Heather Kelly.  Is it a self-choice not to go into the STEM areas of education?  Are institutions not welcoming to women or are parents not supportive when boys or girls go into a field dominated by the opposite sex?

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